Nations Direct Mortgage in Florida vs the state
10.5%Denial rate-10.55 pts vs state
14.9%Decision denial rate-12.32 pts vs state
60.0%Origination rate+7.27 pts vs state
6.75%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.24 pts vs state
$120kMedian applicant income
268Loans originated
47Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 552 | 245 | 21.2% | 7.25% | #219 |
| 2024 | 534 | 279 | 15.4% | 6.99% | #233 |
| 2025 | 447 | 268 | 10.5% | 6.75% | #255 |
What Nations Direct Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 79 | 46 | 8 | 10.1% |
| Broward County | 33 | 14 | 5 | 15.2% |
| Clay County | 27 | 16 | 1 | 3.7% |
| St. Johns County | 26 | 20 | 2 | 7.7% |
| Palm Beach County | 25 | 16 | 2 | 8.0% |
| Pinellas County | 25 | 17 | 4 | 16.0% |
| Marion County | 20 | 11 | 2 | 10.0% |
| Hillsborough County | 18 | 6 | 2 | 11.1% |
| Pasco County | 17 | 13 | 1 | 5.9% |
| Miami-Dade County | 17 | 6 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 447 applications in 2025, of which 268 were originated and 47 denied.
10.5% of all applications, or 14.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Nations Direct Mortgage originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Nations Direct Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology